Jump to content


  • Tweets

  • Posts

    • Spoke to my SIL a short while ago Andy and he had the following to say.....     No, he had left their employment by this time, in fact he left January of this year.     August 2013 up until January 2020     Yes, in fact he had a staff MORE card.     He laughed and said "Hell Yes" This even extended to the pubs deputy manageress whom he described as the worst offender and knew that my SIL was doing it as well as other staff members.   There is a story here....   He told me that after he had left, the company fraud guys came in to do an audit with her unofficially being the main target. He has an idea that she may well have been caught with her hand in the till and so she sang like a canary to save her own arse.
    • this is what shell have just sent me in email, confirming mistakes were made it the final response / deadlock letter, they are only telling me this now, 6 months after the deadlock letter was sent to me and long after court action started   please is the actual deadlock letter binding, or can they just noll and void it like this?   Thank you for taking the time to speak with me this evening regarding your account. As agreed, I am emailing you with the details of what was discussed during our phone call so you have a copy in writing. I advised that you previously had an account with Shell Energy (formerly First Utility) for property  and this has an outstanding debit balance of £187.24. However, due to the age of the account and when the invoice was produced on this account, this balance is being cleared. This balance will be cleared within 10 working days and the account will be closed at a zero balance. In regards to account  I advised that back billing credit of £630.45 that was applied in April 2020 was applied in error and was later withdrawn. I explained that the reason it was applied in error is because the back billing period this amount was calculated for, is the same period that the back billing was previously calculated for and a credit applied to the account in February 2017, with the amount of £1192.32 being applied to the energy account. I advised that at the time the deadlock letter was written, the information within this letter was accurate based on the account at that point. After receiving the deadlock letter, you then escalated your case to the Ombudsman. It was at this point, an agent investigated your case and realised that the back billing credit of £630.45 was applied in error. This was addressed within the Ombudsman's findings in writing and they confirmed that the £630.45 was an error and it is correct in being removed, leaving the account balance at £644.48 which is valid and liable to be paid. I appreciate that you have advised the Ombudsman case is null and void as you did not accept their decision and you are right in saying that the actual final decision that they issued was non-binding upon Shell Energy. However, this does not change the outcome of their findings or the fact that the back billing credit of £630.45 was not due to the account. You queried if our call was recorded as you would need it for a judge, to which I confirmed it was recorded. If you want me to raise a SAR for a copy of this call recording, please do not hesitate to reply directly to this email and let me know and I can arrange this for you. I advised that as your case has now been escalated to Shakespeare, legal fees have now been incurred. I advised of the breakdown of these fees: Legal representative cost £70 , Court fee £60 and interest £146.06. I also confirmed that these legal fees were on top of the account debit balance, resulting in an overall balance of £920.54. As discussed, due to the case now being with Shakespeare, I am unable to offer any settlement figure internally. However, I can arrange for Shakespeare to call you directly to discuss your account and options available. You queried if they would be able offer/discuss a settlement figure/payment plan, to which I confirmed that I could not comment on this as I do not know their process, however they will be able to discuss the options in more detail with you directly. As agreed, I will arrange for Shakespeare to call you tomorrow; Friday 27th November 2020. If they are unable to get hold of you, they should be able to leave a voicemail for you. During our call, you also queried who would appear in court to represent Shell, whether it would be a member of staff directly from Shell or whether it would be a representative from Shakespeare on our behalf. I have gone away and spoken to our legal team who have confirmed that it would be Shakespeare who would lead with a representative on behalf of Shell. I hope the information in this email clarifies our position. As advised within our phone call, I am genuinely sorry for the shortfalls you have experienced and I fully appreciate the frustration this has caused. As above, if you would like to request a copy of our call recoding from today, please not hesitate to let me know and I can raise a SAR for this. You can reply directly to this email or you can call on 0330 094 9158. Our lines are open Monday to Friday, 9:00am to 6:00pm. Please note that my working days are Wednesday to Friday each week. Yours sincerely,  
    • Every year the chancellor doles out billions of pounds of taxpayer money, but where does it go? View the full article
    • Amigo has posted a statutory loss before tax of £62.6m, for the six-month period ending 30 September, after reporting a profit of £42.3m for the previous half-year View the full article
  • Our picks

CCA's Trading Standards any use?


Please note that this topic has not had any new posts for the last 4146 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi there.

I am intending to challenge a number of credit agreements which I think are unenforceable.

 

I have so far sent out CCA & CPR requests and had the usual responce. I have complained to the FOS (no reply yet, not holding my breath) but have had a very positive responce from my local Trading Standards Office.:D In fact I had a two hour meeting with them and they seemed very interested and indicated that they would take legal action against the lenders if 'their team' agreed that breaches of the CCA & DPA were evident. I have to wait till next week to get their official responce.

 

Has anyone else had an dealings with the Trading Standards over this issue, I would be very interested to hear from you?

 

Thanks GM :)

Link to post
Share on other sites

They seem to vary from area to area - some are very good and some just don't want to know. Some work very closely with the OFT. I don't think you will get much of a response from the FOS. They take the view that they cannot decide on legal matters and on the balance of probabilities you owe the money. A lot of the FOS adjudicators are ex-bankers and the banks finance them, so they are far from unbiased.

Link to post
Share on other sites

They seem to vary from area to area - some are very good and some just don't want to know

 

Like mine.

 

They insisted that it was fine for an OC to send a completely illegible CCA as Copies of Documents Regulations only applied at the time the agreement was signed.:eek:

 

When, with the help of PT I proved them wrong, they just told me to pay or I would wind up in court.

 

David

Link to post
Share on other sites
Hi there.

I am intending to challenge a number of credit agreements which I think are unenforceable.

 

I have so far sent out CCA & CPR requests and had the usual responce. I have complained to the FOS (no reply yet, not holding my breath) but have had a very positive responce from my local Trading Standards Office.:D In fact I had a two hour meeting with them and they seemed very interested and indicated that they would take legal action against the lenders if 'their team' agreed that breaches of the CCA & DPA were evident. I have to wait till next week to get their official responce.

 

Has anyone else had an dealings with the Trading Standards over this issue, I would be very interested to hear from you?

Thanks GM :)

 

http://www.consumeractiongroup.co.uk/forum/debt-collection-industry/147392-cca-dcas-unfair-commercial.html

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

Link to post
Share on other sites

Hi Thanks for the replies I hope this will be a useful post for all.

 

They insisted that it was fine for an OC to send a completely illegible CCA as Copies of Documents Regulations only applied at the time the agreement was signed.:shock:

 

Reply: When I met the Trading Standards 2 days ago they immediatly picked up on the illegible CCAs that I had, pointed out the breaches of the act and indicated that they may be able take court action against the OCs in conjunction with myself.:D Obviously, this is only one officers opinion and the rest of 'their team' may not eventually agree, I'll have to wait and see!

 

Any other members experiences would be appreciated keep it going:)

 

GM

Link to post
Share on other sites

Remind them of the UCPD and the CPUTR 2008 ;)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

Link to post
Share on other sites
Hi Babybear can you explain what this is? Sorry for the ignorance. GM

 

If you follow the link in post #4 that thread should explain everything :)

"To love unconditionally is the greatest gift, laughter is a close second" .To give your time to help others after being helped here is the best way to show your appreciation to your fellow CAG members.

 

Please note that this advice is given informally, without liability and without prejudice. Seek the advice of an insured qualified professional if you have any doubts. All my knowledge has been gained here, for which I'm very grateful. I'm a Journalist, not a law professional.

 

If you do PM, make sure to include a link to your thread as I don't give out advice in private ;)

BB 13 - DCAs/banks and solicitors 0.

 

I get a fresh start to get on with learning to live with severe disabilities when they could have had something if they'd been understanding...

 

<--- If you feel I've helped, please twinkle my star :)

Link to post
Share on other sites

Reply: When I met the Trading Standards 2 days ago they immediatly picked up on the illegible CCAs that I had, pointed out the breaches of the act and indicated that they may be able take court action against the OCs in conjunction with myself.:grin: Obviously, this is only one officers opinion and the rest of 'their team' may not eventually agree, I'll have to wait and see!

 

 

Excellent!!! That is what is supposed to happen.

 

Unfortunately my local council is noted for it's incompetence, even before you give any credence to the constant rumours of corruption that circulate.

 

David

Link to post
Share on other sites

Will watch with interest.. and GM, if you get continued support from your TS i will be sick as a parrot and jealous as hell.

 

Note to users. don't move to Torbay if you have lender issues. TS here are terrified of Banks.

:!: -Any advise I give is based purely on my own experience. It should not be solely relied upon as I am NOT a legal expert and any major decisions you make should not be based on my opinion alone -

HFC Bank - Davey vs HFC

Barclays - Monthly payments made

Cahoot - Agreement received, awaiting 2nd agreement after DCA.

MBNA1&2 - Agreements received. (Currently in limbo)

Halifax - Davey vs Halifax/Cabot

MINT - Davey vs Mint

Amex - Davey vs Amex

Cap1 **WON** £1,500 Written Off Davey vs Cap1

 

Never Sign Anything

 

Link to post
Share on other sites
  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...